Liberty Dwelling Guard Assessment (Prices & Protection in 2023)

Liberty Dwelling Guard (LHG) is a house guarantee firm that provides complete guarantee protection with three completely different plans and inexpensive pricing. Established in 2017, Liberty Dwelling Guard might not have as strong expertise as different suppliers, however its distinctive repute, affordability and intensive add-on protection make it among the finest dwelling guarantee corporations within the business.

Liberty Dwelling Guard is offered in each state besides Wisconsin and Washington, which makes it a wonderful alternative for 1000’s of house owners inside the U.S. Be taught extra about Liberty Dwelling Guard by studying our intensive evaluate under to higher decide if it’s the proper dwelling guarantee supplier for you.

Utilizing our leap hyperlink desk of contents to seek out what you’re most taken with for this evaluate on Liberty Dwelling Guard.

Leap To:

  1. Our Review of Liberty Home Guard
  2. Plans, Costs & Coverage
  3. Add-Ons, Exclusions & Coverage Limits
  4. Customer Reviews
  5. LHG vs Other Providers
  6. How to File a Claim with LHG
  7. FAQ

Our Assessment of Liberty Dwelling Guard

Complete Rating: 93 / 100 factors

Liberty Dwelling Guard is a superb alternative for dwelling guarantee protection. This supplier not solely has wonderful protection choices but additionally inexpensive charges, a easy claims course of and an unbeatable repute.

Our consultants analyzed Liberty Dwelling Guard and evaluated the corporate in six classes to find out an general rating out of 100. Liberty Dwelling Guard obtained a rating of 93, giving it an general score of 4.7 stars. The chart under summarizes our outcomes and you’ll study extra about every class within the following sections.

We clarify our evaluate methodology and what we search for below.

liberty home guard review scoring
liberty home guard pros and cons

Plans and Protection of Liberty Dwelling Guard

Rating: 25.5 / 24 factors 


Liberty Dwelling Guard gives three distinct plans to cowl both your home equipment, built-in programs or a mix of each. The corporate’s Equipment Guard and Programs Guard plans cowl your main family home equipment and your main programs, respectively. Nonetheless, if you’d like complete protection, the Complete Dwelling Guard plan is the right choice to guard in opposition to dwelling equipment and system breakdowns. This complete plan covers 15 programs and home equipment, whereas different corporations provide plans that cowl eight to 13 gadgets.

What units Liberty Dwelling Guard other than different suppliers is the corporate’s 42 protection add-on choices to guard luxurious gadgets like swimming swimming pools and electronics. Most different suppliers provide lower than 15 gadgets for extra protection, making LHG warranties essentially the most customizable.


Whereas Liberty Dwelling Guard’s most cheap plan gives wonderful primary protection, it doesn’t cowl family programs. So if you wish to cowl main programs, akin to your air conditioner, you’ll want to decide on the most costly plan. 

Whereas Liberty Dwelling Guard gives extra methods to customise your plan, the most important disadvantage to having so many further choices is the extra month-to-month price. The extra add-ons you embody in your plan, the upper your month-to-month premium will probably be. 

We go into extra element on Liberty Dwelling Guard’s plans and protection below.

Affordability of Liberty Dwelling Guard

Rating: 20 / 22.5 factors


The nationwide common price of dwelling guarantee plans is $50 per thirty days, and Liberty hovers proper round that worth level for each its Equipment Guard and Programs Guard plans. Warranties from Liberty Dwelling Guard vary from $49.99 to $59.99 per thirty days. Which means that for lower than $2 per day, you’ll be able to profit from Liberty’s most complete protection plan. 

Greater than 25 of Liberty Dwelling Guard’s further providers price lower than $15 per thirty days, which makes these add-ons inexpensive for most owners. This makes it simple to customise your plan to your distinctive wants.


Liberty Dwelling Guard gives quite a few add-ons, however some are dearer than add-ons supplied by different dwelling guarantee corporations. For instance, LHG will cowl your swimming pool for an additional $19.99 per thirty days, whereas you’ll be able to shield your pool with one other dwelling guarantee firm for lower than $15 per thirty days.

Your service name price from Liberty Dwelling Guard could also be as little as $65 relying on the service, however that price will also be as excessive as $125 per name. Not like another dwelling guarantee corporations, you can’t select your service name price with Liberty Dwelling Guard. This implies chances are you’ll not know the way a lot you’ll pay to have a technician despatched to your own home, and this price may very well be dearer than the common.

Some dwelling guarantee corporations haven’t any cancellation price, however sadly, Liberty Dwelling Guard is just not one in every of them. In case you cancel your plan after 30 days, you have to to pay a $50 price.

We go into extra element on the price of Liberty Dwelling Guard below.

Dwelling Guarantee Sources

Buyer Expertise of Liberty Dwelling Guard 

Rating: 14.5 / 18.5 factors 


Prospects rave about Liberty Dwelling Guard’s educated and pleasant representatives that exit of their approach to clarify every protection plan intimately. As well as, many shoppers report fast response occasions, around-the-clock assist and constructive experiences when submitting claims. There are only a few complaints about Liberty Dwelling Guard on the Higher Enterprise Bureau (BBB) web site, however the firm’s customer support crew actively works to deal with all buyer considerations as they come up 

Getting a quote from Liberty is simple — you’ll be able to obtain an instantaneous, customized dwelling guarantee quote on-line that permits you to examine completely different plans, charges and add-on protection. This lets you create a personalized plan that matches your wants and month-to-month funds.


If you enter your data on Liberty Dwelling Guard’s web site to obtain your free quote, you’ll obtain calls, textual content messages and emails from firm representatives. Though these people are pleasant and useful, the sheer quantity of contacts you obtain may be overwhelming. On the primary day alone, our reviewers have been contacted 13 occasions. Three weeks later, the identical reviewer continued to obtain day by day textual content messages and advertising and marketing emails.

Firm Fame of Liberty Dwelling Guard 

Rating: 15.5 / 17.5 factors 


Liberty Dwelling Guard has among the finest reputations of all dwelling guarantee corporations. It has an A- score with the BBB and 4.7 stars on Google Critiques, which solidifies its repute as a reliable firm. Moreover, LHG has a 4.6-star score on Glassdoor, which signifies that the corporate cares as a lot about its workers because it does its prospects.


Whereas Liberty Dwelling Guard has wonderful scores and an energetic customer support crew that responds to complaints, it misplaced factors on this class on account of its few years in enterprise and a 2020 lawsuit through which a customer sued over frequency of contact. Whereas some corporations have greater than 50 years of expertise within the dwelling guarantee business, Liberty has solely been in enterprise for 5 years.

We’ve included some buyer critiques of Liberty Dwelling Guard from the BBB below.

Claims Course of of Liberty Dwelling Guard 

Rating: 12.5 / 12.5 factors 


Liberty Dwelling Guard is well-known for its simple claims course of and responsive customer support crew. Many on-line buyer critiques report wonderful buyer care as soon as they file a declare, and a few even say it’s the best declare course of they’ve skilled. When you submit your declare on-line or over the telephone, it takes lower than 48 hours for it to be authorised.

Just like different dwelling guarantee suppliers, Liberty has a 30-day ready interval earlier than you’ll be able to submit a declare. After this ready interval is over, you’ll be able to start making claims.


Though the claims course of is commonly easy, some Liberty prospects report longer wait occasions as a result of technicians are required to submit photos earlier than they’ll start work. This implies you’ll generally must schedule a number of appointments earlier than your own home system or equipment is fastened.

We’ve included a step-by-step define of Liberty Dwelling Guard’s claims course of below.

Availability of Liberty Dwelling Guard 

Rating: 5 / 5 factors


Liberty Dwelling Guard is headquartered in Brooklyn, New York, and covers 48 states apart from Wisconsin and Washington. Due to its vast protection space, Liberty receives full marks on this class.


Liberty Dwelling Guard serves 96% of the U.S., however on account of service exclusions, owners in Washington and Wisconsin are at present unable to acquire dwelling warranties by way of this supplier.

liberty home guard coverage map

Liberty Dwelling Guard Plans, Prices and Protection

The nationwide common for a month-to-month dwelling guarantee is $50 per thirty days, and Liberty Dwelling Guard meets that fee with its Equipment Guard plan. Even so, the corporate’s Programs Guard and Complete Dwelling Guard plans are additionally inexpensive, beginning at $54.99 per thirty days and $59.99 per thirty days respectively.

In case you add gadgets to your plan, your month-to-month fee will improve. All gadgets lined below Liberty’s dwelling guarantee service price between $3.99 per thirty days and $35.99 per thirty days, however most gadgets are inside the $8 to $15 per thirty days vary.

Each time you name Liberty Dwelling Guard to submit a declare, you’ll pay a service name price. This price will vary from $65 to $125, however the precise quantity depends upon the service you require.

Equipment Guard Month-to-month Value Programs Guard Month-to-month Value Complete Dwelling Guard Month-to-month Value
Beginning at $49.99 Beginning at $54.99 Beginning at $59.99

Liberty Dwelling Guard Equipment Guard Plan: The Equipment Guard plan is ideal for owners who need simply the fundamentals lined. In case you don’t have central air-con or have older home equipment, it’s best to make investments on this plan. It covers eight main family home equipment — together with your dryer, washer, fridge, microwave, dishwasher, cooktop, storage door opener and exhaust fan.

Liberty Dwelling Guard System Guard Plan: In case you simply purchased new home equipment and solely wish to cowl your main dwelling programs, then the System Guard plan is for you. It covers your HVAC programs, ductwork, electrical programs, plumbing programs and water heater.

Liberty Dwelling Guard Complete Dwelling Guard Plan: The Complete Dwelling Guard plan is right for owners who need full peace of thoughts. It consists of all the things within the Equipment Guard and System Guard Plans, masking a complete of 15 dwelling programs and home equipment.

The desk under exhibits a side-by-side comparability of what’s lined below every Liberty Dwelling Guard guarantee plan.

  Equipment Plan Programs Plan Complete Dwelling Guard Plan
Garments Dryer  ✓  X  ✓
Garments Washer  ✓ ✓ 
Kitchen Fridge ✓  ✓ 
Constructed-in Microwave Oven ✓  ✓ 
Dishwasher ✓  ✓ 
Ranges/Ovens/Cooktops ✓  ✓ 
Ceiling and Exhaust Followers ✓  ✓ 
Storage Door Openers ✓  ✓ 
Air Conditioning  X ✓  ✓ 
Heating ✓  ✓ 
Ductwork ✓  ✓ 
Plumbing ✓  ✓ 
Electrical ✓  ✓ 
Water Heater ✓  ✓ 

What Optionally available Add-ons Does Liberty Dwelling Guard Supply?

Liberty Dwelling Guard gives essentially the most customizable dwelling guarantee plans due to its many out there add-ons. Together with the essential dwelling system and equipment protection, you’ll be able to select so as to add as much as 42 further gadgets to your own home guarantee, together with: 

  • Pool
  • Spa
  • Extra Spa
  • Nicely Pump
  • Sump Pump
  • Central Vacuum
  • Septic System Pumping
  • Stand Alone Freezer
  • Restricted Roof Leak
  • Lighting Fixtures
  • Re-Key
  • Water Softener
  • Garden Sprinkler System
  • Electronics Safety
  • Swamp Cooler
  • Ejector Pump
  • Second Fridge
  • Trash Compactor
  • Ice Maker (Fridge)
  • Freestanding Ice Maker
  • Wine Cooler
  • Salt Water Pool
  • Generator
  • Plumbing Fixture
  • Grinder Pump
  • Water Dispenser Water Line
  • Instantaneous Sizzling Water Dispenser
  • Reverse Osmosis Water Filter System
  • Casita Visitor Unit
  • TV Mounting

Together with further gadgets in your house, you can even pay a month-to-month price for dwelling providers:

  • Window Washing and Cleansing
  • Gutter Cleansing
  • Pest Management
  • Carpet Cleansing
  • Energy Washing (Exterior Flooring)

Lastly, your primary Liberty Dwelling Guard guarantee doesn’t cowl luxurious home equipment. When you have this stuff in your house, you’ll be able to improve your protection to incorporate the next:

  • Professional Collection Fridge
  • Professional Collection Vary/Oven/Cooktop
  • Professional Collection Dishwasher
  • Professional Collection Microwave
  • Professional Collection Washing Machine
  • Professional Collection Garments Dryer
  • Professional Collection Stand Alone Freezer

Does Liberty Dwelling Guard Have Any Exclusions? 

Just like different dwelling guarantee suppliers, Liberty Dwelling Guard does have limitations and exclusions to its dwelling guarantee protection. Remember the fact that Liberty solely covers injury on account of regular put on and tear, so if you wish to get essentially the most out of your own home guarantee, be certain to maintain all upkeep information. 

Your Liberty Dwelling Guard dwelling guarantee is not going to cowl the next:

  • Routine upkeep
  • Harm on account of lack of upkeep or human error
  • Improper set up or earlier repairs
  • Corrosion or rust
  • Industrial grade tools
  • Luxurious home equipment
  • Sensible know-how and units
  • Restore of beauty defects

Does Liberty Dwelling Guard Have Any Protection Limits?

For all gadgets included within the Equipment Guard, Programs Guard and Complete Dwelling Guard plans, protection is restricted to $2,000 per merchandise. For all further lined gadgets, the restrict is $500 per merchandise. This quantity applies per coverage interval, which means it resets after one year from the date of buy.

Liberty Dwelling Guard Buyer Critiques

Many Liberty Dwelling Guard prospects have posted each constructive and damaging critiques on the BBB web site. We’ve included a number of of those dwelling guarantee critiques under. 

Constructive Critiques of Liberty Dwelling Guard

Liberty Dwelling Guard has a whole lot of on-line critiques that spotlight constructive buyer experiences. Buyer satisfaction is clear from many critiques on the BBB, and plenty of Liberty prospects rave concerning the amount of cash saved, educated representatives and a easy claims course of.

They [Liberty Home Guard] met my expectations after they changed my rubbish disposal in 4 days. They exceeded my expectations after they changed my air conditioner in two weeks. I saved round 100 {dollars} on the rubbish disposal substitute, due to the deductible and the truth that the rubbish disposal subject was decided to be pre-existing. I saved about $1,200 after they changed my AC. All in, I’m up about $1,180 and I’m very comfortable up to now. I hope to proceed to get increasingly worth from this coverage. However actually, up to now the plan is price each cent I’ve paid for it.

— Amber C., 11/18/2022

Liberty’s crew has been extraordinarily dependable and saved us greater than a big amount of cash on repairs up to now. Their technicians simply give off the aura of being very expert and polished and possibly most significantly, appear extraordinarily motivated to assist. We really initially received our coverage with them as a present from our realtor about three years in the past and have used the service every so often on a semi-regular foundation. On our final declare, Brian R. actually helped us out. As a house owner, Liberty Dwelling Guard’s safety has confirmed to be very worthwhile.

— Madeline C., 11/14/22

Damaging Critiques of Liberty Dwelling Guard

Some Liberty Dwelling Guard prospects report lengthy wait occasions on the telephone and the necessity to schedule a number of technician appointments to finish a restore. Liberty typically requires service technicians to submit photos of dwelling home equipment and programs earlier than they are often repaired, which might delay repairs by a number of days.

[The] deductible is just too excessive, there’s a ready interval earlier than you’ll be able to file a declare and so they require the plumber to submit pictures earlier than approving. Which means two appointments I needed to take off work for, one for the picture and one for him to really repair the difficulty.

— Rick M., 07/19/2022

Liberty Dwelling Guard vs Different Dwelling Guarantee Firms

Earlier than you select a house guarantee supplier, it’s essential to analysis the suppliers out there in your space. Under you’ll be able to see how Liberty Dwelling Guard compares to different prime dwelling guarantee corporations.

Supplier Finest For Month-to-month Value Service Payment BBB Ranking Years in Enterprise
Liberty Dwelling Guard Most Customizable  $49.99 – $69.99+ $65.00 – $125.00 A – 5
American Dwelling Defend First-time Owners $49.99 – $99.99+ $75.00 – $125.00 B 51
Alternative Dwelling Guarantee Worth $46.83 -$54.75  $85.00 D+ 13
Choose Dwelling Guarantee Most Reasonably priced Service Payment $60.42 – $63.75+ $60.00 – $75.00 B- 10
AFC Dwelling Membership Most Added Advantages $30.00 – $50.00+  $75.00 – $125.00 B 13
2-10 Dwelling Guarantee Kitchen Home equipment  $17.00 – $60.00+ $65 – $100 B 39

Learn how to File a Declare With Liberty Dwelling Guard

Liberty Dwelling Guard prospects can report a declare across the clock, any time through the week. This 24/7 protection gives peace of thoughts realizing if one thing goes flawed in your house, you simply need to file a declare on-line or name customer support as quickly as you discover the malfunction.

liberty home guard claims process

Liberty Dwelling Guard additionally gives a 60-day workmanship assure. So if a technician has repaired one in every of your own home programs and the system fails once more inside 60 days, Liberty will ship a technician to restore it at no further cost.

FAQ: Liberty Dwelling Guard

Is Liberty Dwelling Guard respectable?

Liberty Dwelling Guard is a respectable dwelling guarantee enterprise with nice buyer critiques on-line. This firm is among the many most extremely rated of all dwelling guarantee corporations, so we take into account it an incredible choice in your dwelling guarantee wants.

Does Liberty Dwelling Guard cowl pre-existing situations?

Liberty Dwelling Guard doesn’t cowl any recognized or unknown pre-existing situations. Based on an internet pattern contract, Liberty will solely cowl the associated fee to restore or substitute programs and home equipment which can be put in and in good working situation when your service contract begins.

Does Liberty Dwelling Guard cowl roof leaks?

Liberty Dwelling Guard gives roof leak safety for an extra $11.99 per thirty days. This can get you $500 of protection per time period, however the protection doesn’t embody partial or full roof substitute. It solely applies to the roof leak patching that presides over dwelling area in a single-family residence.

Does Liberty Dwelling Guard require a house inspection?

Liberty Dwelling Guard doesn’t require a house inspection so that you can take out a house guarantee coverage, and the corporate will cowl your own home programs and home equipment no matter age. However these programs and home equipment should be in working order while you signal your guarantee contract to obtain protection.

How do you cancel a Liberty Dwelling Guard coverage?

You may cancel your Liberty Dwelling Guard guarantee by calling the customer support line. In case you cancel your coverage inside the first 30 days, you’re going to get a full refund. However for those who cancel after 30 days, you’ll have to pay a $50 cancellation price.

How We Evaluated Liberty Dwelling Guard In opposition to Our Assessment Standards

To assist customers such as you select the very best dwelling guarantee corporations in your dwelling, we dive deep into each top-rated dwelling guarantee firm and fee them primarily based on six components. As soon as we analysis an organization and have gathered all our information, we use the next scoring system to grade every dwelling guarantee firm on a 100-point scale. We then convert the rating to a 5-star score.

liberty home guard review methodology
  • Plans + Protection Choices (24 Attainable Factors): Since each buyer has completely different wants and a distinct funds, we award extra factors to suppliers that supply extra plans and higher flexibility. Liberty Dwelling Guard does exceptionally effectively on this class as a result of it gives three completely different plans and dozens of add-ons that enable for plan customization.
  • Affordability (22.5 Attainable Factors): Value is a crucial issue as a result of many owners select dwelling warranties to keep away from excessive funds for dwelling equipment repairs. We consider every firm primarily based on its plans and extra providers, service name charges and cancellation phrases. Liberty’s Dwelling Guard’s plans are every inexpensive at lower than $2 per day, and the add-on protection permits for purchasers to customise their plan to swimsuit their wants and funds.
  • Buyer Expertise (18.5 Attainable Factors): Your expertise as a buyer is essential, together with the assist you obtain when contacting a house guarantee supplier. We gauge general assist by taking a look at buyer critiques, conducting house owner surveys and going by way of the quotes course of. Liberty Dwelling Guard has nice on-line buyer critiques and a straightforward claims course of, which suggests it scores excessive on this class.
  • Firm Fame (17.5 Attainable Factors): An organization’s repute is a mix of critiques from prospects and respected organizations just like the BBB. We additionally bear in mind the years of expertise an organization has, how happy its workers are and any previous or pending lawsuits. Liberty has a wonderful A- score with the BBB and 4.7 stars on Google Critiques, so it does effectively on this class.
  • Claims Course of (12.5 Attainable Factors): On this class, we have a look at the general claims course of, together with how simple it’s to file a declare and an organization’s response time. Liberty Dwelling Guard’s claims course of is easy and prospects can contact a customer support consultant 24/7.
  • Availability (5 Attainable Factors): Availability refers to what number of states and areas an organization serves. Liberty Dwelling Guard does effectively on this class as a result of it gives dwelling warranties in 48 states, solely excluding Wisconsin and Washington.

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